Awkward: Advice please

FunLovinCriminal

Been living in this property for 19yrs. And this is our forever home, not planning to sell ever. Took a home buyers survey when we bought. After the 2nd or 3rd remortgage, the new mortgage ptovider sent someone round to value the property - rest of them did it remotely. He asked to go in the loft.what he found was previous owners removed a couple of trusses to turn loft into a games room for kids, but clearly just used a chainsaw, nothing professional. Told us to get them put back which we did - this is approx 12yrs ago, joiner came round etc.

Roll on to last year. We had a leak in our upstairs bathroom ceiling. Got a guy out, and he took a look in the loft. Said the replacement trusses were not in the correct place. Assumed he was just angling for more work, we got a 2nd opinion and a structural survey. True enough he was right.

Got a plan drawn up, a joiner to repair, and the structural engineer to approve the work, and wrote an official document stating this. This was January.

Last week we spotted a hairline crack in the ceiling of our bedroom running east to west. Yesterday spotted one running north to south.

Obviously we are very concerned.

Will we be covered by home insurance? Is the mortgage ok? And concerned regarding the roof/loft.

We have contacted both the joiner and the structural surveyor, but being the werkend, not heard back.

Help!

Valli

Covered by insurance? - read the policy

You've been pro-active and contacted the surveyor; see what he says.

Grumpy_chap

Hairline crack in the ceiling is possibly nothing. Ceilings, whether lathe & plaster or plasterboard that has been skimmed are very prone to hairline cracks, particularly in the surface skim layer. Are the cracks any more than surface depth?

SiliconChip

Duplicate thread with more responses here (and apparently also asked last year).

https://forums.moneysavingexpert.com/discussion/6665735/home-insurance-headache

FunLovinCriminal

https://forums.moneysavingexpert.com/discussion/comment/81977642#Comment_81977642

Yes we thought we posted in wrong forum. Apologies.new thread as we have now paid for the work, paid for the survey, and still geting issues

Aretnap

Home insurance will not cover faulty workmanship and remedial repairs to put it right. It's designed to cover unexpected I've if incidents that cause damage to your home like storms, fires, floods etc - not the fact that your home was defective in the first place.

If you have legal cover with your home insurance it might be of some assistance if you try to bring a claim against the contractor who did the dodgy work 12 years ago - if they are still in business.